{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api.duckcreek.com/v1/schemas/policy",
  "title": "Duck Creek Insurance Policy",
  "description": "Schema representing a P&C insurance policy managed in Duck Creek Policy Administration.",
  "type": "object",
  "required": ["policyId", "policyNumber", "status", "productCode", "insured", "effectiveDate"],
  "properties": {
    "policyId": {
      "type": "string",
      "description": "Internal Duck Creek policy identifier",
      "format": "uuid"
    },
    "policyNumber": {
      "type": "string",
      "description": "Human-readable policy number",
      "examples": ["PA-2026-001234", "HO-2026-567890"]
    },
    "status": {
      "type": "string",
      "description": "Current policy lifecycle status",
      "enum": ["QUOTED", "IN_FORCE", "CANCELLED", "EXPIRED", "PENDING_CANCEL", "RENEWAL", "RESCINDED"]
    },
    "productCode": {
      "type": "string",
      "description": "Duck Creek product code identifying the insurance product"
    },
    "lineOfBusiness": {
      "type": "string",
      "description": "Insurance line of business",
      "enum": ["AUTO", "HOME", "COMMERCIAL_PROPERTY", "GENERAL_LIABILITY", "WORKERS_COMP", "UMBRELLA", "SPECIALTY"]
    },
    "effectiveDate": {
      "type": "string",
      "format": "date",
      "description": "Policy effective date"
    },
    "expirationDate": {
      "type": "string",
      "format": "date",
      "description": "Policy expiration date"
    },
    "insured": {
      "$ref": "#/$defs/Insured"
    },
    "coverages": {
      "type": "array",
      "description": "List of coverages included in the policy",
      "items": {
        "$ref": "#/$defs/Coverage"
      }
    },
    "totalPremium": {
      "type": "number",
      "format": "double",
      "description": "Total annualized premium in USD",
      "minimum": 0
    },
    "writingCompany": {
      "type": "string",
      "description": "Insurance company writing the policy"
    },
    "agentCode": {
      "type": "string",
      "description": "Producing agent code"
    },
    "billingAccountId": {
      "type": "string",
      "description": "Associated billing account identifier"
    },
    "createdAt": {
      "type": "string",
      "format": "date-time"
    },
    "updatedAt": {
      "type": "string",
      "format": "date-time"
    }
  },
  "$defs": {
    "Insured": {
      "type": "object",
      "required": ["name"],
      "properties": {
        "name": {
          "type": "string",
          "description": "Full name of the insured"
        },
        "type": {
          "type": "string",
          "enum": ["INDIVIDUAL", "BUSINESS"]
        },
        "dateOfBirth": {
          "type": "string",
          "format": "date",
          "description": "Insured date of birth (for individual policyholders)"
        },
        "address": {
          "$ref": "#/$defs/Address"
        },
        "phone": {
          "type": "string"
        },
        "email": {
          "type": "string",
          "format": "email"
        }
      }
    },
    "Coverage": {
      "type": "object",
      "required": ["coverageCode"],
      "properties": {
        "coverageCode": {
          "type": "string",
          "description": "Duck Creek coverage type code",
          "examples": ["BI", "PD", "COMP", "COLL", "DWELLING", "LIABILITY"]
        },
        "coverageName": {
          "type": "string",
          "description": "Human-readable coverage name"
        },
        "limit": {
          "type": "number",
          "format": "double",
          "description": "Coverage limit in USD",
          "minimum": 0
        },
        "deductible": {
          "type": "number",
          "format": "double",
          "description": "Coverage deductible in USD",
          "minimum": 0
        },
        "premium": {
          "type": "number",
          "format": "double",
          "description": "Coverage premium contribution in USD",
          "minimum": 0
        },
        "subLimits": {
          "type": "array",
          "description": "Sub-limits within this coverage",
          "items": {
            "type": "object",
            "properties": {
              "subLimitCode": { "type": "string" },
              "amount": { "type": "number" }
            }
          }
        }
      }
    },
    "Address": {
      "type": "object",
      "properties": {
        "street1": { "type": "string" },
        "street2": { "type": "string" },
        "city": { "type": "string" },
        "state": {
          "type": "string",
          "pattern": "^[A-Z]{2}$",
          "description": "US state code"
        },
        "zipCode": {
          "type": "string",
          "pattern": "^[0-9]{5}(-[0-9]{4})?$"
        },
        "country": {
          "type": "string",
          "default": "US"
        }
      }
    }
  }
}